Is My Spouse Eligible for Medicare When I Turn 65?

Medicare FAQ: Is My Spouse Eligible for Medicare When I Turn 65?

The short answer: No. Your spouse is eligible for Medicare when he or she turns 65. Your eligibility for Medicare has no impact on the date that your spouse is eligible for Medicare. Continue reading for more answers to your questions about Medicare, individual health insurance, and coverage options for your spouse after you enroll.

Can my spouse be a dependent on my Medicare plan, like they are with my current health insurance?

No. Medicare coverage is all individual, meaning you cannot have dependents on your plan. This includes your spouse and children.

When will my spouse be eligible for Medicare?

At the start of the month of their 65th birthday, your spouse is eligible for Medicare coverage. Three months before then, he or she will be eligible to select a plan and enroll in coverage. For example, see the timeline below for someone with an October birthday.

65th Birthday: Oct. 18, 2021

Eligible to Enroll: July 1, 2021

Eligible for Coverage: Oct. 1, 2021

However, if your spouse has a qualifying disability such as End-Stage Renal Disease or Lou Gehrig’s Disease, he or she may be able to enroll in Medicare sooner. If you think this may apply to your situation, contact our team for no-cost guidance on your options. We would be happy to advise!

Once I switch to Medicare, what are my spouse’s coverage options?

After you enroll in Medicare, your spouse will need to find individual health insurance. This can be acquired through one of two ways:

For more information, you can attend one of our “Retiring Before Age 65? Your Health Care Coverage Options” webinars to learn about individual health insurance options. Our advisors will be live to answer your questions! Visit this page to sign up for a webinar.

Are You Wondering if Your Spouse Is Eligible for Medicare?

Our local advisor team has the answers to all your questions about Medicare and individual health insurance. You can contact us today by calling 1-866-600-5638 or emailing advice@retiremediq.com. We look forward to helping with all your health plan needs!

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